Credit Card Rejection Codes
- Half of these may be fixed by correcting the card information in the donor's payment profile, but may require contacting their bank/card issuer asking them to correct the issue since they are the ones issuing these errors.
|
Code |
Definition |
Meaning |
What to do |
| 0 | Approved or completed successfully | ||
| 1 | Refer to card issuer | The card reader was unable to obtain electronic authorization | Call the card issuer |
| 2 | Refer to card issuer, special condition | The card reader was unable to obtain electronic authorization | Call the card issuer |
| 3 | Invalid merchant | ||
| 4 | Pick-up card | Obtain another form of payment | Advise the cardholder to contact their issuer |
| 5 | Do not honor | Obtain another form of payment | Advise the cardholder to contact their issuer |
| 6 | Error | ||
| 7 | Pick-up card, special condition | ||
| 8 | Honor with identification | The transaction is approved if the signature is correct | Have the cardholder sign the receipt |
| 9 | Request in progress | ||
| 10 | Approved, partial | ||
| 11 | Approved, VIP | ||
| 12 | Invalid transaction | Retry the transaction | If it's declined, use another form of payment and advise the cardholder to contact their issuer |
| 13 | Invalid amount | The payment Amount entered is invalid-- it must be a positive number. If a negative number, or some non-numeric value is entered in the Amount field this error will be generated. | Attempt the transaction again, making sure to enter a positive number for the Amount |
| 14 | Invalid card number | As one might imagine, the card number entered is invalid. | Double check the number and try the transaction again with a corrected card number |
| 15 | No such issuer | The card number entered is invalid because it does not start with a 3 (AMEX), 4 (Visa), 5 (MasterCard) or 6 (Discover). | Double check the credit card number and try the transaction again with a corrected card number. |
| 16 | Approved, update track 3 | ||
| 17 | Customer cancellation | ||
| 18 | Customer dispute | ||
| 19 | Re-enter transaction | An unknown error occurred during the authorization process. | Try the transaction again. If this error persists, contact your distributor. |
| 20 | Invalid response | ||
| 21 | No action taken | ||
| 22 | Suspected malfunction | ||
| 23 | Unacceptable transaction fee | ||
| 24 | File update not supported | ||
| 25 | Unable to locate record | ||
| 26 | Duplicate record | ||
| 27 | File update field edit error | ||
| 28 | File update file locked | ||
| 29 | File update failed | ||
| 30 | Format error | Turn the terminal off and on again. Be sure to confirm that the transaction has been processed correctly. | |
| 31 | Bank not supported | ||
| 32 | Completed partially | ||
| 33 | Expired card, pick-up | ||
| 34 | Suspected fraud, pick-up | ||
| 35 | Contact acquirer, pick-up | ||
| 36 | Restricted card, pick-up | ||
| 37 | Call acquirer security, pick-up | ||
| 38 | PIN tries exceeded, pick-up | ||
| 39 | No credit account | Retry the transaction, selecting a different account | |
| if declined again, obtain another form of payment | |||
| advise cardholder to contact the card issuer | |||
| 40 | Function not supported | ||
| 41 | Lost card, pick-up | The customer’s issuing bank has prevented the transaction from being authorized because the card’s rightful owner has reported it as lost | Do not attempt the transaction again, and if possible do not provide goods or services to the person attempting the transaction. |
| 42 | No universal account | ||
| 43 | Stolen card, pick-up | The customer’s issuing bank has prevented the transaction from being authorized because the card’s rightful owner has reported it as stolen. | Do not attempt the transaction again, and if possible do not provide goods or services to the person attempting the transaction. |
| 44 | No investment account | ||
| 45 | Account closed | ||
| 46 | Identification required | ||
| 47 | Identification cross-check required | ||
| 48 | to 50 Reserved for future Postilion use | ||
| 51 | Not sufficient funds | The customer’s issuing bank is preventing the transaction from being authorized because your customer is over his/her credit limit for the card (or processing the attempted transaction would cause the customer to go over the limit). | Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask for a credit limit increase that will permit the transaction to be processed. When the new limit is confirmed, attempt the transaction again. |
| You can also ask your customer for a different credit card account or an ACH account, and attempt the transaction again | |||
| 52 | No check account | ||
| 53 | No savings account | ||
| 54 | Expired card | The expiration date entered for the credit card has passed. | Your cardholder will need to present an alternate form of payment or contact their card issuer to correct the problem. |
| 55 | Incorrect PIN | ||
| 56 | No card record | ||
| 57 | Transaction not permitted to cardholder | This code will appear if you are attempting a transaction and your customer’s card is not configured for that type of transaction. | Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask that the transaction be permitted. When the bank confirms it will process correctly, attempt the transaction again. |
| You can also ask your customer for a different credit card account or an ACH account, and attempt the transaction again. | |||
| 58 | Transaction not permitted on terminal | This code will appear if you are attempting a transaction and your merchant processing account is not properly configured. | Contact your provider and ensure that your account is configured. |
| 59 | Suspected fraud | ||
| 60 | Contact acquirer | ||
| 61 | Exceeds withdrawal limit | ||
| 62 | Restricted card | This code will appear for one of two reasons: | For Reason 1: Contact your provider and request that your merchant account be configured to accept Discover and American Express payments. |
| 1. You are attempting an American Express or Discover transaction and your merchant processing account is not configured properly to accept it. | For Reason 2: Request that your customer provide a different payment account (credit card or bank account) and attempt the payment again using that payment information. | ||
| 2. An online payment was attempted by your customer using a credit card that does not allow online payments. | |||
| 63 | Security violation | The three digit CVV2 code on the back of Visa/MasterCard/Discover cards, or the four digit CID code on the front of American Express cards is in an invalid format or is for some other configuration reason invalid. | Attempt the transaction again without entering a CVV2/CID number. It should process normally. |
| 64 | Original amount incorrect | ||
| 65 | Exceeds withdrawal frequency | The customer’s issuing bank is preventing the transaction from being authorized because your customer is over his/her credit limit for the card (or processing the attempted transaction would cause the customer to go over the limit). | Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask for a credit limit increase that will permit the transaction to be processed. When the new limit is confirmed, attempt the transaction again. |
| You can also ask your customer for a different credit card account or an ACH account, and attempt the transaction again. | |||
| 66 | Call acquirer security | ||
| 67 | Hard capture | ||
| 68 | Response received too late | ||
| 69 | Advice received too late | ||
| 75 | PIN tries exceeded | ||
| 76 | Reserved for future Postilion use | ||
| 77 | Intervene, bank approval required | ||
| 78 | Intervene, bank approval required for partial amount | ||
| 90 | Cut-off in progress | ||
| 91 | Issuer or switch inoperative | A temporary error occurred during the authorization process. | Try the transaction again. If this error persists, contact Customer Care. |
| 92 | Routing error | The customer’s issuing bank is preventing the transaction from being authorized because of some violation related to the account. | Have your customer call their issuing bank (the number is typically printed on the back of the credit card) and ask them why the transaction is being declined. When the your customer confirms that they have resolved any issues with their bank, and that the card will be honored, attempt the transaction again. |
| You can also ask your customer for a different credit card account or an ACH account, and attempt the transaction again. | |||
| 93 | Violation of law | ||
| 94 | Duplicate transaction | ||
| 95 | Reconcile error | ||
| 96 | System malfunction | A temporary error occurred during the authorization process. | Try the transaction again a bit later. If this error persists, contact Customer Care. |
| 97 | Reserved for future Postilion use | n/a | |
| 98 | Exceeds cash limit | ||
| 99 | Reserved for future Postilion use | n/a | |
| A1 | ATC not incremented | Application Transaction Counter: | |
| A2 | ATC limit exceeded | ||
| A3 | ATC configuration error | ||
| A4 | CVR check failure | ||
| A5 | CVR configuration error | ||
| A6 | TVR check failure | ||
| A7 | TVR configuration error | ||
| C0 | Unacceptable PIN | ||
| C1 | PIN Change failed | ||
| C2 | PIN Unblock failed | ||
| D1 | MAC Error | ||
| E1 | Prepay error |